Re: Sallie Mae late payments REMOVED

Good luck. I talked to them a couple years ago after bombing them with good will letters. I had accounts come out of forberance after 6 months instead of the 12 month that I believed they would have been so I racked up a 90 and 120 before catching it and paying them down and monthly since. The lady I talked to said that they would take care of them and they never sent me anything nor removed them. I thought it would take a few months for it to update but they never did remove them. Lately I've been bombing the consumer advocate office and all i get is emails saying they will follow up with me soon but never do.

My lates are from 2009 i believe and I'd really like them to be gone considering we had a communication problem since I asked for 12 months but they did 6? I've thought about disputing them, but.... I dont think thats a good method.

Re: Sallie Mae late payments REMOVED

Hi Melanie! Could you (or anyone) please PM me any contact info you think may help? I thought I was in forebearcne but just found it it ended and I have missed 5 payments.Needless to say this has destoyed my credit and is hindering some potential employment opportunities. Im going to try this asap and would appreciate any direction you could offer. THNX!

Re: Sallie Mae late payments REMOVED

Hey Melanie,

That's awesome to hear you got some removed. I tried emailing the Department of Education Omsbudman, Sallie Mae, and USA Funds about removing the negative tradelines from my student loans that defaulted. I since rehabed them and consolidated them under the Direct Loans Consolidation program through the Department of Education back in December 2012. The best I got back was a phone call from the Advocate at Sallie Mae saying they'd remove the tradelines that said they were defaulted, but wouldn't remove the previous derrogatories Maybe your route could help. I know you've gotten slammed with requests for PMs but if you wouldn't mind, I'll keep you posted on my progress

Re: Sallie Mae late payments REMOVED

First I would like to congratulate you for Conquering the impossible - - - getting Sallie mae to delete any derogatory information off your credit report is fete worthy of SUPER MAN ! (LOL) - - -

If I may ask, how did you do it ? - - - could you share with us the step by step plan of action that you took to achieve your goal ? - - - how long did this process

take ? - - - Did you sign up for one of those Student Loan Rehabilitation programs that I keep hearing about ? - - - In my case I signed up for an auto- withdrawal plan ( that was designed to bring my loan current in 3 months) that took out a set amount every month. Its been over a year since I began that plan & I am happy to say that I have not missed a payment.- - - Question , in view of this,would Sallie mae agree to delete my negative info, does a year of on time payments qualify ? - - - and finally who do I contact ? - - - could you send me their information ?

Re: Sallie Mae late payments REMOVED

This is not that hard, is key is to keep trying , phone calls letters whatever it takes. I just got a bunch of lates removed from Great Lakes that were 3 years ago and I wasnt on any forbarence or rehab plan.

Hi James,

Thank you for your recent email and for providing information to substantiate your situation when your delinquencies were reported.We've looked over everything that we've reported on your account. We are pleased to say that although what we reported was correct, a decision has been made to remove this history from your credit files. We'll be instructing the credit reporting agencies to remove record of your late payments. This will be done electronically within the next five to ten business days. Please note that this isn't a guaranty that correctly reported delinquency can be removed in the future, so if you are ever falling behind in payments, please contact us immediately.Please let us know if you have further questions. We want to help you successfully manage your account throughout the term of your loan.

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IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.